In September 2025, two unauthorized withdrawals were made from my Ziraat Bank account without my knowledge or consent. These transactions were carried out via Wise using a virtual IBAN that was opened in my name without my authorization and processed through the Moka United infrastructure. A total of $1,480 (49,000 TL) was withdrawn from my account—$545 and $935 in two separate transactions. Despite these amounts being directly deducted from my bank account, there are no corresponding transaction records visible in my Wise account.
When I contacted Wise customer support, they stated that they could not assist because the transactions do not appear in my Wise account. When I contacted Moka United, they explained that the system used was a virtual IBAN and that I should resolve the issue with Wise. As a result, I have been left stuck between the two institutions. Even though these are clearly unauthorized transactions taken directly from my bank account, I have not received any concrete explanation or resolution so far.
I request that these unauthorized transactions totaling 49,000 TL be thoroughly investigated by both Wise and Moka United, that a clear explanation be provided regarding how and under what authority these transactions were carried out, and that the full amount be refunded to me without delay.
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